It's time! Apply NOW for the Affordable Care Act! Put Erie's oldest independent agency to work for you at no cost!

We will stand by you in the event of an accident, with our in house claims department located in Erie, PA., we can help ensure you are treated well the entire way through the claim process.

Your home is the center of your daily life, and likely your most valuable asset. When your home is damaged or destroyed, you need your claim settled by an insurance company that understands this simple fact. Let Hart, McConahy & Martz settle your claim and get you back in your home.

We know business, especially in Erie, PA. Hart, McConahy & Martz is insurance coverage that protects your company – so you can get back to business.

A healthy body is a happy body, and there’s no better way to preserve your health and your family’s health than with a health insurance policy from Hart, McConahy & Martz.

Confused by all the Medicare options? Whether you stay close to home, travel or you're a snowbird, at Hart, McConahy & Martz, Inc. we have a plan for you.

Having the right life insurance is pivotal in planning for the future of you and your loved ones. Life insurance can help you fulfill promises you’ve made your family when you are gone.

Our knowledgeable agents develop customized plans based on your requirements. And they’ll continue to look after your insurance needs as your life changes.

Put the HMM Farm Team to work for you.

At Hart, McConahy & Martz Inc. we put our clients first and as an independent/locally owned agency in Erie, PA. we work for you, not the insurance carriers.

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2017 Affordable Care Act Health Insurance

Our team at Hart, McConahy, Martz Insurance, has been constantly educating ourselves to help you make the right choices regarding your insurance with the new and complex changes to the Health Care System. Please call us for an in-depth look into your personal health insurance needs, and we will help guide you through the web of options you have to choose from.

The 2017 Open Enrollment period, for Affordable Care Act health insurance plans, is set to kick off November 1, 2016 and will run through January 31,2017. This means if you have a 2016 ACA health plan, or if you have no coverage, it's time to act. You are required to either renew your current plan or switch to another plan if you so choose. Many variables, such as PRICE, COVERAGE, and PLAN DESIGN, are set to change January 1, 2017. This is your ONLY time to make changes to your plan without qualifying for a "special enrollment period". Call us today to set up your one on one meeting to review your options for 2017.

Can I Change My Plan Mid-Year?

After the closing of the Annual Open Enrollment Period you may ONLY change health insurance plans if you experience a qualifying event. Here is a list of such events:

1: Did you or anyone in your household lose qualifying health coverage in the past 60 days OR do you expect anyone in your household to lose coverage in the next 60 days?

2: Did any of the following apply to you or anyone in your household in the past 60 days?

Got Married

Had A Baby

Adopted A Child or had a child placed with you for foster care

Got divorced or legally separated and lost health insurance

Death in immediate family

3: Changes in residence or income:

Change your primary place of living

Had a change in income

4: Changes in Status

Gained citizenship or lawful presence in the U.S.

Released from incarceration

5: Are you a member of a federally recognized tribe, or an Alaska Native corporation shareholder?

How Marketplace plans set your health insurance premiums

Factors that can affect premium costs

Under the health care law, insurance companies can take into account only 5 things when setting premium costs.

Age: Older people can be charged up to 3 times more for premiums than younger people.

Geographic location: Where you live has a big effect on your premiums. Competition, local regulation, and cost of living in different areas account for this.

Tobacco Use: Insurers can charge tobacco users up to 50% more than those who don’t use tobacco.

Individual vs. family enrollment: Insurers can charge more for a plan that covers a spouse and/or dependents.

Plan category: Plans are available in five categories: Bronze, Silver, Gold, Platinum, and catastrophic. The categories reflect how you and the plan share costs. Bronze plans will likely have lower premiums and higher out-of-pocket costs. Platinum plans are likely to have the highest premiums and lowest out-of-pocket costs.

Factors that can’t affect premiums

Insurance companies can’t charge women more than men for the same policy.

Income levels that qualify for health coverage savings

Estimating your household income for the coverage year

Many people can start with their most recent year’s adjusted gross income and update it to account for upcoming changes. (Savings are based on your income estimate for the year you want coverage, not last year.) Learn more about estimating household income.

Including the right people in your household

Count yourself, your spouse if you’re married, plus everyone you’ll claim as a tax dependent, including those who don’t need coverage. There are a few exceptions and details. Learn more about who to include in your household, and whose income is counted.

What if my income turns out to be different from what I estimate?

When you apply for coverage in the Marketplace, it's important to double-check the information you put on your application. If the amount of expected income you report turns out to be inaccurate, you may not get the right amount of premium tax credit.

If you wind up making more money than you estimated on your application, you could have to pay back some or all of the premium tax credit you’ve received. You would make this payment with your next tax return.

If you wind up making less money than you estimated on your application, you could qualify for a higher tax credit. You would get this money refunded on your next tax return.

Note: During the year, it’s very important to report changes in your income or household size to the Marketplace as soon as possible. You can adjust your tax credit so you don’t wind up owing money or getting a big refund on your next tax return.

How to save on out-of-pocket health care costs

If you qualify for savings on out-of-pocket costs, you’ll pay lower deductibles, coinsurance, and copayments. These are costs you have to pay when you get care.

When you apply for coverage in the Marketplace, you'll learn if you’re eligible for savings, which are sometimes called “cost-sharing reductions.”

Out-of-pocket savings apply only to Silver plans

IMPORTANT If your income qualifies you for out-of-pocket savings, you must choose a Silver plan to get the savings. You can choose any category of plan you want, but you'll get the out-of-pocket savings only if you enroll in a Silver plan.

Free or low-cost coverage through Medicaid & CHIP

When you apply for health coverage in the Marketplace, you or some members of your household could be eligible for free or low-cost coverage through Medicaid or the Children’s Health Insurance Program (CHIP).

This will depend on your household size and income, and on whether your state is expanding its Medicaid program to cover more people.